Accident insurance

Help when the unexpected happens

Accidents can happen to anyone, at any time. And they often come with unexpected costs, such as doctor visits, X-rays, prescriptions and more.

Symetra accident insurance provides benefits that can help with some of these costs, so you can get the care you need and get back to your daily routine.


How it works

Symetra accident insurance comes in two types. Depending on your employer, your coverage will be:

  • Per occurrence: Pays benefits up to a maximum amount per accident, per calendar year. This means all eligible expenses associated with an accident are covered at 100%, up to your company’s benefit limits.
  • Scheduled benefit: Pays fixed benefit amounts for covered injuries and services related to covered injuries, such as fractures, burns, ambulance rides, X-rays, surgery and physical therapy.

Benefits are paid regardless of any other coverage you have under your major medical or other health insurance policy.


Why accident insurance?

Accidents affect your life in many ways, including financially. Could you afford the financial hit if an accident happened to you or someone in your family?

Accident insurance provides benefits to help cover out-of pocket medical expenses related to an accidental injury.

It can help you reach your deductible, copay or coinsurance requirements, or pay for additional costs triggered by an accident, such as child care or transportation during recovery.

Claim examples

Per-occurrence accident insurance


Meet Carlos

While cleaning the gutters on their house, Carlos falls and hurts their back. Because they enrolled in their company’s per-occurrence accident insurance, they're able to use those benefits to help cover some of the costs associated with their fall.

Carlos is covered for up to $2,500 in the event of one accidental occurrence per calendar year. As a result, their out-of-pocket costs are only $570, compared to the $3,070 they would have owed without accident insurance.

Emergency room: $720
X-ray: $510
Diagnostic testing: $850
Physician fees: $300
Physical therapy: $690

Total expenses: $3,070
Total benefits paid: $2,500
Total out-of-pocket costs: $570

Scheduled benefit accident insurance


Meet Mike

Shortly after enrolling, Mike breaks his leg on a hiking trip with his friends. After a trip to the emergency room, Mike’s thankful he has accident insurance to help with his out-of-pocket costs.

Benefit per treatment or service
Emergency room visit: $200
X-ray: $50
Treatment for leg fracture: $2,500
Five physical therapy sessions: $250
Total benefits paid: $3,000

Because Mike has accident insurance, he now has $3,000 to help pay for:

  • Medical expenses
  • Child care during recovery
  • Transportation to physical therapy sessions
  • Anything else he needs

Note: These examples are for illustrative purposes only and are meant to provide a general overview of how accident insurance works. Any resemblance to actual persons is purely coincidental. Refer to your enrollment materials for your plan’s benefit amounts and costs of coverage.

Why enroll in accident insurance at work?

In addition to the health effects, accidents often lead to unknown and unexpected costs. And some of these—such as transportation, child care and mortgage payments—aren’t covered by health insurance. Accident insurance can help pay for these additional costs while you focus on your recovery.

Signing up for Symetra's accident insurance at work also means:

  • No health questions to answer or tests to take.
  • No copays, coinsurance or deductibles to meet.
  • Benefits are paid no matter what other coverage you have.
  • Benefits can be used for anything.
  • 24/7 access to your benefits information with our user-friendly online platform, MyGO.

Next steps

To learn more about accident insurance provided by Symetra, contact your benefits representative.


Accident coverage is insured by Symetra National Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004. Per Occurrence Accident pays benefits up to a preselected, per occurrence amount and does not cover losses due to sickness, nor does it cover the cost of all hospital and medical services. Scheduled Benefit Accident pays a fixed amount and does not cover losses due to sickness, nor does it cover the cost of all hospital and medical services.


It is not a replacement for major medical or other comprehensive coverage and does not satisfy the minimum essential coverage requirements of the Affordable Care Act. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions. To learn more, contact your benefits representative.